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Best Homeowners Insurance Agencies in Concord, CA

Our Recommended Top 5

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Concord Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.



5Top Picks

Learn about our selection process.


featured provider = Featured Provider

3478 Buskirk Avenue, Pleasant Hill, CA 94523 Rating

Review Sources

5.0 (5)
5.0 (3)

Why choose this provider?

Hindsight Insurance Services is an independent homeowners' insurance agency based in Pleasant Hill that serves clients in Concord and the surrounding areas. Since 1992, the agency's team of insurance specialists has been providing customized home insurance programs to its clients. They work to ensure that every homeowner that comes to them gets the proper HO1 (homeowners' insurance policy) for their properties, their needs, and attendant risks. Hindsight Insurance Services also provides landlord and renters insurance quotes.

  • Multiple Policy Types
  • Earthquake
  • Renter's Insurance

2190 Meridian Park Boulevard, Concord, CA 94520 Rating

Review Sources

5.0 (202)
5.0 (23)
5.0 (8)

Why choose this provider?

Weber Insurance & Financial Services, LLC is a homeowners' insurance agency serving the Concord metro. Its insurance professionals ensure that clients obtain adequate financial protection through home insurance policies that are tailored to homeowners' needs. They also aid in determining applicable coverage types, including comprehensive solutions for theft, vandalism, fire, falling objects, and liability claims. Weber Insurance & Financial Services, LLC uses its resources to support Pilots N Paws, a non-profit offering dog rescue and foster care services.

  • Personal Property Insurance

1320 Willow Pass Road, Concord, CA 94520 Rating

Review Sources

5.0 (20)
1.0 (1)

Why choose this provider?

Mainstream Insurance Services, LLC is an independent insurance agency that grants homeowners' insurance to clients in Concord and nearby areas. The agency closely assesses and determines the right insurance policy for each homeowner. Homeowners' insurance can protect a home and its contents from any possible damage caused by fire and other disasters, including theft or vandalism. It also covers protection from possible lawsuits filed by guests injured in the home. The firm was first established in 2012 and it also specializes in business and contractors' insurance.

  • Renter's Insurance
  • Flood
  • Earthquake

1070 Concord Avenue, Concord, CA 94520 Rating

Review Sources

5.0 (4)
5.0 (1)

Why choose this provider?

Monumental Insurance Services, LLC, is a homeowners' insurance agency that serves residents in Concord and the surrounding areas. Its team of insurance agents is committed to providing the best possible home insurance for the company's clients. It also offers condominium insurance, landlord insurance, motor home insurance, renters insurance, and townhouse insurance. In addition, Monumental Insurance Services, LLC, also assists potential buyers of auto insurance, motorcycle insurance, business insurance, and commercial insurance products.

  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

5041 Clayton Road, Concord, CA 94521 Rating

Review Sources

4.9 (12)
5.0 (8)

Why choose this provider?

Gail Williams is a State Farm insurance agent assisting Concord residents in various areas including home insurance. Gail provides home insurance plans that include compensation for replacement and repair costs of damaged property and personal belongings. Homeowners' insurance covers property damage resulting from theft, vandalism, or a fire. Gail has been an insurance agent since 1978. She opened her own agency 21 years later. Together with her team, she provides customer support 24/7. She also offers Spanish-speaking services.

  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Hindsight Insurance Services
3478 Buskirk Avenue, Pleasant Hill, CA 94523
Weber Insurance & Financial Services, LLC
2190 Meridian Park Boulevard, Concord, CA 94520
Mainstream Insurance Services, LLC
1320 Willow Pass Road, Concord, CA 94520
Monumental Insurance Services, LLC
1070 Concord Avenue, Concord, CA 94520
Gail Williams - State Farm Insurance Agent
5041 Clayton Road, Concord, CA 94521


  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • In Concord, does homeowners' insurance cover swimming pools?

    Yes, in Concord, in-ground pools typically fall under homeowners' insurance within the "other structures" category. But note that coverage might be capped at certain limits. Pools that are above ground and can be disassembled aren't always counted as fixed structures. For complete peace of mind, homeowners must double-check their policy specifics or think about securing extra insurance to ensure adequate coverage.

  • What are the main insurance valuation methods that homeowners in Concord should understand?

    For Concord homeowners, two essential insurance valuation methods are actual cash value (ACV) and replacement cost. ACV considers item value at the time of an incident, factoring in depreciation. In contrast, replacement cost pays the total amount to replace items, regardless of age. Mortgage companies often mandate 80% coverage of an item's replacement value. For precision, homeowners should carefully list and document insured items.

  • Are rooftop solar panels covered by homeowners' insurance in Concord?

    Rooftop solar panels, regarded as permanent home fixtures, are typically covered by most homeowners' insurance policies in Concord. However, before one decides to fit solar panels, it's wise for them to consult their insurance provider. This step ensures they're aware of potential exclusions or threats not covered. Knowledge empowers homeowners to make well-informed decisions about their assets.

  • If a tree falls on a property in Concord without causing damage, will the homeowner's insurance cover its removal?

    No, if a tree falls on a Concord property without impacting any structures, typical homeowner's insurance doesn't foot the bill for its removal. However, there's an exception if this tree hinders a driveway or a disability ramp. It's wise for Concord residents to reference local rules before any removal, as specific regulations may require a permit.

  • In Concord, what happens to insurance coverage if a home remains vacant for over 60 days?

    In Concord, many homeowners' insurance policies rule out coverage for homes vacant for beyond 60 days. When homes are occupied, they're less appealing to potential threats like burglars. Additionally, residents can promptly spot issues, such as leaks, which can stave off more significant claims. Hence, from an insurer's perspective, an empty property in Concord represents a high risk, prompting them to set non-coverage stipulations for extended vacancies.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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